IDFC First Bank
IDFC FIRST Millennia Credit Card
Data last verified: 11 October 2026
- Joining feeFree
- Annual feeFree
- Reward rate0.38% base, up to 1.25% on dining
Takes you straight to the application. We earn a commission if you are approved, and you pay nothing extra.
- Joining feeFree
- Annual feeFree
- Lifetime freeYes
- Forex markup0%
- Interest (APR)0.71% a month, 8.52% a year
Millennia earns reward points on every spend, and 10X points on spends above Rs 20,000 in a billing cycle. Utility bills earn a lower rate. You get a Rs 500 voucher for spending Rs 5,000 in the first 30 days, and 5% cashback up to Rs 1,000 on your first EMI within 90 days.
There is no joining or annual fee, so there is nothing to recover. Any reward you earn is pure gain.
It suits students, young earners and anyone building a credit history. You also get a Rs 2 lakh personal accident cover. The catch is that base earning is low, around 0.38%, and the 4 railway lounge visits a quarter need Rs 20,000 spend in the previous month.
Best for: First-time card users, Young earners, UPI payment users, People who want no annual fee.
01IDFC FIRST Millennia Credit Card Rewards and Benefits
02IDFC FIRST Millennia Credit Card Annual Fee and Charges
- Joining fee
- Lifetime free
- Annual fee
- Lifetime free
- Spend-based waiver
- None
- Rewards redemption fee
- ₹99 per request
- Forex markup
- 0%
- Interest rate
- 0.71% a month (8.52% a year)
- Fuel surcharge waiver
- Yes
- Card replacement
- Not published
03What It's Worth, in Rupees
If you spend ₹20,000 a month on this card:
- ₹5,000 on dining and food delivery, earning 1.25%₹63
- ₹15,000 on everything else, earning 0.38%₹57
- Back each month, ₹1,440 a year₹120
- In your pocket each year₹1,440
Worked out from this card's reward rates, caps and fee in our data; a rate limited to named merchants is not counted here. Your own spending will differ: see what this card is worth at your spend.
Good for
- Dining: 1.25% back
- Travel: 1.25% back
- Anyone who wants no annual fee, ever
- Flyers: some airport lounge visits a year
- Spending abroad: 0% markup, most cards add 3.5%
Skip it if…
- most of your spending is fuel: those earn nothing on this card
- you pay mostly by UPI: a Visa or Mastercard card cannot pay by UPI
- you spend a lot on government payments: the card's terms do not state a rate there, so we count nothing
- you rarely spend on dining, travel or foreign spends: the 1.25% rate applies only there, everything else earns 0.38%
- you sometimes pay only the minimum due: interest of 0.71% a month (8.52% a year) outweighs any reward
04Product Details
- Lifetime free, no joining or annual fee
- 10X reward points on spends above ₹20,000 a billing cycle
- ₹500 voucher on ₹5,000 spend in the first 30 days
- 4 railway lounge visits a quarter on ₹20,000 previous-month spend
- ₹2 lakh personal accident cover
- Works with UPI
05Pros and Cons
Pros
- Lifetime free
- Higher earning once you cross ₹20,000 a cycle
- Welcome voucher and EMI cashback
- UPI enabled
Cons
- Base earning is only about 0.38%
- Low earning on utility bills
- No airport lounge access
06How IDFC FIRST Millennia Credit Card earns Rewards
0.38% base, up to 1.25% on dining.
| Spend category | Rate | Monthly cap | Where it applies |
|---|---|---|---|
| UPI payments (scan and pay) | Earns nothing | - | a Visa or Mastercard card cannot pay by UPI |
| Online shopping | 0.38% | No cap | The card's normal rate |
| Dining and food delivery | 1.25% | No cap | All merchants in the categoryTerms: 10 RP per ₹200 (~1.25%) on dining |
| Groceries | 0.38% | No cap | The card's normal rate |
| Travel: flights, hotels, trains | 1.25% | No cap | All merchants in the categoryTerms: 10 RP per ₹200 (~1.25%) on travel |
| Fuel | Earns nothing | - | earns nothing on this card |
| Bills and recharges | 0.13% | No cap | All merchants in the categoryTerms: 1 RP per ₹200 (~0.125%) on utilities, insurance, FASTag & railway; no rewards on fuel, EMI or cash |
| Rent | 0.38% | No cap | The card's normal rate |
| Insurance premiums | 0.38% | No cap | The card's normal rate |
| School and college fees | 0.38% | No cap | The card's normal rate |
| Wallet top-ups | 0.38% | No cap | The card's normal rate |
| Taxes and government payments | Not stated | - | the card's terms state no rate here; many cards pay nothing on these |
| Spend abroad or in a foreign currency | 1.25% | No cap | All merchants in the categoryTerms: 10 RP per ₹200 (~1.25%) on international spends, with no forex markup (nil in IDFC's KFS dated 15 Sep 2026) |
| Everything else | 0.38% | No cap | The card's normal rate |
Terms on the base rate. 3 RP per ₹200 (~0.375%) on all other spends, online & offline (the 6X-online accelerator was cut to 3X on 1 May 2024); points expire 24 months, capped to credit limit per cycle
Point value. 1 point is worth about ₹0.25 at the bank's stated value.
07IDFC FIRST Millennia Credit Card Travel Benefits
Railway lounges: 16 visits a year. Spend Rs 20,000 in the previous month for lounge access. Spending abroad carries a 0% forex markup; rewards on it: 1.25% back. See what it costs on your trip
Also on the card. fuel surcharge waiver, insurance cover, airport lounge access, movie ticket offers.
- Fuel surcharge waiver: 1% fuel-surcharge waiver on fuel transactions between ₹200 and ₹5,000, capped at ₹200 per statement cycle
- Insurance cover: Personal accident cover of ₹2 lakh and lost-card liability of ₹25,000 (valid with at least one transaction in the last 30 days), plus complimentary roadside assistance worth ₹1,399 up to 4 times a year
- Airport lounge access: 4 complimentary railway lounge visits per quarter, unlocked by ₹20,000 of spend in the prior calendar month
- Movie ticket offers: 25% off up to ₹100 on movie tickets once a month (via the District app), when spend-active the previous month
08IDFC FIRST Millennia Credit Card Eligibility and Documents
- Employment
- Salaried or self-employed
- Minimum monthly income
- ₹25,000
Documents. PAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photograph
09Recent Changes
What IDFC First Bank changed on this card recently. The facts on this page already reflect them.
| Date | Change | Before | Now |
|---|---|---|---|
| 26 Oct 2026 | Reduced: International spends stop earning reward pointsSource: IDFC First Bank | Reward points on international spends at the card's own rate | No reward points on international spends |
| 15 Sept 2026 | Changed: Forex markup removedSource: IDFC First Bank | 1% to 3.5%, depending on the card | 0% (nil) |
| 9 Sept 2026 | Changed: Forex markup removedSource: IDFC First Bank | 1% to 3.5%, depending on the card | 0% (nil) |
| 18 Jun 2026 | Reduced: In-app travel accelerators trimmed (hotels & flights) | 33% bonus on hotels, 13% bonus on flights | 20% bonus on hotels, 10% bonus on flights |
| 18 Jun 2026 | Reduced: Points get 24-month expiry + credit-limit earn capSource: IDFC First Bank | Points never expired; no per-cycle earn cap | 24-month expiry; rewards capped to credit limit per cycle |
See all 7 changes on this card → · All card changes in October 2026 →
10Cards Similar to IDFC FIRST Millennia Credit Card
IDFC FIRST Millennia Credit Card is a dining card. The two below are the closest on SkyloFin; open any of them, or put them side by side.
| Feature | IDFC FIRST Millennia Credit Card |  HSBC Live Plus Credit Card |  SBI BPCL Credit Card |
|---|---|---|---|
| Joining fee | Lifetime free | ₹999 + GST | ₹499 + GST |
| Annual fee | Lifetime free | ₹999 + GST | ₹499 + GST |
| Rewards | 0.38% base, up to 1.25% on dining | 1.5% base, up to 10% on dining | 0.25% base, up to 1.25% on dining; 3.25% only at partner merchants |
| Domestic lounge | Not included | 2 visits a year | Not included |
| Forex markup | 0% | 1.99% | 3.5% |
| Type | Dining | Dining | Fuel |
11Explore More
Card facts last verified 11 October 2026.
Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
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Common Questions
Is the card really free?
Yes, it is lifetime free with no joining or annual fee.
How do I earn 10X points?
On spends above ₹20,000 in a billing cycle.
Does it have lounge access?
It offers 4 railway lounge visits a quarter, once you spend ₹20,000 in the previous month. There is no airport lounge access.
Can I use it on UPI?
Yes, it can be linked to UPI.
What is the joining fee for the IDFC FIRST Millennia Credit Card?
The joining fee is Free. Check the bank's page before you apply, because fees change and promotional waivers come and go.
What is the annual fee for the IDFC FIRST Millennia Credit Card?
The annual fee is Free.
Does applying through SkyloFin cost more?
No. You pay the same fees you would pay applying directly with IDFC First Bank. We earn a commission from the bank when someone applies through our link, and that is how the site is funded.
SkyloFin is not a bank and does not approve applications. Fees, rewards and eligibility rules are set by the provider and can change without notice. Always read the terms on the provider's site before you apply.
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Guides in Plain Words
Short reads that explain how it works before you decide.
- GuidesBest Credit Cards Under ₹500 a Year in India (2026)Credit cards with an annual fee of ₹500 or less (before GST) in 2026, ranked by the reward rate each bank states, with fee waivers.Read the guide →
GuidesNo-Cost EMI: What It Really Costs You, With a Worked ExampleNo-cost EMI is not a trick, but it is rarely free. Here is where the money goes: the discount you give up, the processing fee, and GST on the interest, worked out on a Rs 30,000 phone.Read the guide →- GuidesBest Online Shopping Credit Cards in India (2026)The credit cards that pay the most back on online shopping in 2026, which sites count, the monthly cap and the annual fee.Read the guide →
